Provided by Specialty Group

Income Stabilization

Protects against the risk of lost sales or revenues due to weather.


The day-to-day income of any business can be negatively impacted by bad weather. If your business relies on good weather for a seasonal revenue boost, we can help protect that regardless of what the weather throws at you.

This coverage can be used to stabilize income for businesses, such as restaurants or pay-for-play golf courses, that rely on good weather on weekends and holidays.


  • Avoid loss of revenue due to adverse weather

Best for

  • Boat rental companies
  • Car washes
  • Pay-for-play golf courses
  • Restaurants
  • Water parks

Summary of coverage

Tokio Marine HCC's income stabilization coverage can be used to protect against the risk of lost sales or revenues due to weather. This seasonal or annual coverage responds to the loss of revenue caused by adverse weather conditions that affect the business. The insured receives an agreed upon payout per day or per season to offset the shortfall.

For example, a pay-for-play golf course experiences a summer of weekend washouts, dramatically impacting its bottom line. Or, a restaurant that relies on extra revenue from outdoor dining in the spring and summer, experiences plummeting revenues during an unusually rainy season. Income stabilization insurance could help both establishments make up for the lack of customers during a period that is typically busy and profitable.

Your team

Head office

401 Edgewater Place Drive, Suite 400
Wakefield, MA 01880

Contact photo
Mike Thompson

USA - Senior Vice President - Contingency Underwriting

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why choose tmhcc

Why choose Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance.

More about us Financial strength

Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.